If you are a motorcyclist and looking to get insurance for your bike, you might have lots of questions. Kempton Insurance Group is here to serve Charlotte, NC area bikers with all their insurance needs.
Here, we will answer some common questions that people have about motorcycle insurance.
Frequently asked questions about motorcycle insurance
What are the exclusions for motorcycle insurance?
The main things that motorcycle insurance doesn’t cover are accidents that occur from doing dangerous acts or participating in events. These types of acts include demolition contests, racing, stunts, riding on a racetrack, or preparing for any of those types of events.
How much insurance should I have on my motorcycle?
The amount that you need depends on your state’s requirements. The state of North Carolina requires at least 30,000 per person bodily injury liability, 60,000 per accident bodily injury liability, and 25,000 property damage liability.
Does motorcycle insurance cover dropping the bike?
It depends on the type of motorcycle insurance policy that you have. If you only have minimum liability coverage, it will not cover dropping your bike. If you have comprehensive and collision coverage, it will, but you might want to check the extent of the damage before deciding to file a claim. If there isn’t much damage, then you are better off paying for it out of your pocket. If the damage is more serious, then you might consider filing a claim.
Does credit score affect motorcycle insurance?
Yes, your credit score does affect motorcycle insurance. If you have poor credit, you might end up paying much higher premiums. To save money, many motorcyclists only get the minimum requirements, which might not be enough in the event of an accident. You would still have to pay out-of-pocket costs for damages to your bike and whatever injuries you sustain. If you were in an accident, this would add up very quickly.
Reach Out To Us
For more information, contact us at Kempton Insurance Group in Charlotte, NC.
